Disclosures

Truth in Savings Disclosure

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

Rates current as of: 12/1/2016 For current rate information call 1-800-795-2151.

CHECKING PLUS

Rate Information: This account is a non-interest bearing account.

Account Fees: A flat monthly fee of $5.00 per month applies to this account. Monthly service charge of $5.00 is waived with the addition of 3 qulifying services (2 services for students or seniors better than 60 years of age). Write up to 15 checks monthly. Checks clearing in excess of 15 monthly will be charged $.25 (25 cents) per item. MASTERCARD check card issued with no annual fee and no transaction fees. Unlimited ATM transactions with no fee (does not cover surcharge fees that might be assessed by ATM owner). Check images are not returned with monthly statements. Check printing fee depends on style ordered.

Balance Information: There is no required minimum balance on this account.

Limitations: Overdraft fee applies to overdrafts created by check, in-person withdrawal, or other electronic means.

VALUE CHECKING

Rate Information: This account is a non-interest bearing account. A Personal Reserve Account is included with this account.

Account Fees: A flat monthly fee of $7.95 per month applies to this account. Unlimited check writing with no per item fee. MASTERCARD check card with no annual fee and no transaction fees. Unlimited ATM transactions with no fee (does not cover surcharge fees assessed by ATM owner). Personal Reserve Account is included with account. Up to 2 boxes of duplicate style PCB logo checks are included with this account per year. Check images are not returned with monthly statement.

Balance Information: There is no required minimum balance on this account.

Limitations: Overdraft fee applies to overdrafts created by check, in-person withdrawal, or other electronic means.

If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will be .000% with an annual percentage yield of .00% If your daily balance is more than $2,499.99, but less than $25,000, the interest rate paid on the entire balance in your account will be .05% with and annual percentage yield of .05%. Ir your daily balance is more than $24,999.99, but less than $50,000, the interest rate paid on the entire balance in your account will be .05% with an annual percentage yield of .05% If your daily balance is $50,000.00 or more, the interest rate paid on the entire balance in your account will be .05% with an annual percentage yield of .05%

Balance Information: There is no required minimum balance on this account. The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day.

Account Fees: Unlimited check writing with no per item fee. MASTERCARD check card with no annual fee and no transaction fee. Unlimited ATM transactions with no fee (does not cover surcharge fees that might be assessed by ATM owner). Up to 2 boxes of duplicate style PCB logo checks are included with this account per year. Check images are not returned with monthly statements. A no-annual fee 3 x 5 safe deposit box or leased box is available with this account or $20 credit on a larger box. A flat monthly fee of $10.00 per month applies to this account. Monthly fee of $10.00 is waived with the additino of 5 qualifying services or combined deposit account balances of $10,000.00.

Balance Information: A minimum balance fee of $7.50 will be imposed every month if the daily balance in the account falls below $1,000.00 any day of the month.

Account Fees: No per item fee when number of checks written per month does not exceed 150. Checks clearing in excess of 150 per month will be charged $.25 (25 cents) per item. Check images can be returned with monthly statement upon request. Check printing fee depends on style ordered.

Rate Information: The interest rate on your account is .050% with an annual percentage yield of .05% The interest rate and annual percentage yield on your account may change at any time. Interest will be compounded and added to your account quarterly. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: To open this account, you must deposit at least $100.00. A minimum balance fee of $3.00 will be imposed every month if the daily balance in the account falls below $100.00 any day of the month. The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day.

Additional Fees: The $3.00 fee will not be assessed to seniors aged 60 or better, children under age 18, or full-time students under age 25. The fee for teller withdrawals, non-electronic withdrawals, in excess of 4 per month is $1.00 per withdrawal. This fee will be assessed at the time of the transaction. There is no fee and no limit on the number of electronic withdrawals per month (ATM, ACH).

Limitations: You may make 4 withdrawals from your account each month. A fee of $1.00 will be imposed for each subsequent withdrawal during such period. You may not make more that six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.

MONEY MARKET

The interest rate and the APY may change. At our discretion, we may change the interest rate on your account at any time.

If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will be .010% with annual percentage yield of .01%. If your daily balance is more than $2,499.99 but less than $10,000.00, the interest rate paid on the entire balance in your account will be .05% with an annual percentage yield of .05%. If your daily balance is more than $9,999.99, but less than $25,000.00, the interest rate paid on the entire balance in your account will be .10% with an annual percentage yield of .10%. If your daily balance is more than $24,999.99, but less than $50,000.00, the interest rate paid on the entire balance in your account will be .15% with an annual percentage yield of .15%. If your daily balnce is $50,000.00 or more, the interest rate paid on the entire balance in your account will be .15% with an annual percentage yield of .15%.

Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest is compounded monthly and credited monthly.

Limitations: To open this account, you must deposit at least $2,500. You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed APY. You may make no more than six pre-authorized (or automatic) or telephone transfers, order or instruction or by check, draft, debit card or similar order payable to third parties.

STUDENT SAVER CD

The interest rate and the APY may change. The interest rate on this account is based on the higher of the average rate on 4 Year Treasury Notes as reported in The Wall Street Journal on the first Tuesday of each month or the Bank's 4 Year CD rate on the same date. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

The Student Saver CD is available only to individuals age 25 and under. Funds may be withdrawn without penalty, in full or in part; twice each calendar year after the student graduates from high school or turns 18 years old.

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest is compounded monthly and credited monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks)

Limitations: To open this account, you must deposit at least $250.00. This account will renew automatically at maturity. At this point you will have 10 calendar days after the maturity date to withdraw funds without a penalty. You may not make withdrawals of principal from your account until the maturity date. The early withdrawal penalty may invade principal. You may make unlimited deposits of at least $25.00 each into your account at any time. Interest may be withdrawn when credited. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty will imposed will equal 6 months interest.

A depositor who attains age 25 has until June 15 of the next calendar year following his or her 25th birthday to withdraw all remaining funds from the Student Saver CD.

6 MONTH CD

Rate Information: The interest rate on this account is .15% with an Annual Percentage Yield (APY) of .15%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 3 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

1 YEAR CD

Rate Information: The interest rate on this account is 0.25% with an Annual Percentage Yield (APY) of 0.25%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 3 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

1 ½ YEAR CD

Rate Information: The interest rate on this account is 0.30% with an Annual Percentage Yield (APY) of 0.30%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 6 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

2 ½ YEAR CD

Rate Information: The interest rate on this account is 0.45% with an Annual Percentage Yield (APY) of 0.45%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 6 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

3 YEAR CD

Rate Information: The interest rate on this account is .55% with an Annual Percentage Yield (APY) of .55%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 6 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

4 YEAR CD

Rate Information: The interest rate on this account is .60% with an Annual Percentage Yield (APY) of .60%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 6 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

PRIME ADVANTAGE (1-YEAR)

Rate Information: The interest rate on this account is 0.25% with an Annual Percentage yield (APY) of 0.25%. The interest rate on your account is based on the lowest prime rate of interest published in The Wall Street Journal Money Rates section minus a margin of 3.25 percentage points. We may change the interest rate on your account daily. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may make unlimited deposits of at least $100.00 each into your account at any time. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 90 days interest. Early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

PRIME ADVANTAGE PLUS (2 ½ Year)

Rate Information: The interest rate on this account is .50% with an Annual Percentage Yield (APY) of .50%. The interest rate on your account is based on the lowest prime rate of interest published in The Wall Street Journal Money Rates section minus a margin of 3.00 percentage points. We may change the interest rate on your account daily. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may make unlimited deposits of at least $100.00 each into your account at any time. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. Early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 1-YEAR FIXED

Rate Information: The interest rate on your account is .25% with an Annual Percentage Yield (APY) of .25%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 90 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 2-YEAR VARIABLE

Rate Information: The interest rate on your account is .25% with an Annual Percentage Yield (APY) of 0.25%. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. At our discretion, we may change the interest rate on this account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current vairable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 2-YEAR FIXED

Rate Information: The interest rate on your account is .40% with an Annual Percentage Yield (APY) of .40%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 4-YEAR VARIABLE

Rate Information: The interest rate on your account is .45% with an Annual Percentage Yield (APY) of .45%. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. At our discretion, we may change the interest rate on this account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 4-YEAR FIXED

Rate Information: The interest rate on your account is 0.60% with an Annual Percentage Yield (APY) of 0.60%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

ROTH IRA 2-YEAR VARIABLE

Rate Information: The interest rate on your account is .25% with an Annual Percentage Yield (APY) of .25%. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. At our discretion, we may change the interest rate on this account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

ROTH IRA 2-YEAR FIXED

Rate Information: The interest rate on your account is .40% with an Annual Percentage Yield (APY) of .40%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

ROTH IRA 4-YEAR VARIABLE

Rate Information: The interest rate on your account is .45% with an APY of .45%. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. At our discretion, we may change the interest rate on this account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your variable rate IRA to the fixed variable rate product at any time during the term of your investment. This option can also be used to convert a fixed rate IRA to the current variable rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

ROTH IRA 4-YEAR FIXED

Rate Information: The interest rate on your account is 0.60% with an Annual Percentage Yield (APY) of 0.60%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rule on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.